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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Letter from Morgan on behalf of Cabot


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My other half received this letter from Morgan this morning, reference an entirely unenforcable Monument (Providian) agreement.

 

Its the first time I have seen one of these, has anyone received the same letter?

 

Alan

Morgan.pdf

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i received the same letter from morgans (cabot in house solicitors) on 22/12/09 about an old pre 1989 debt with bank one intl. taken over by halifax, with a dodgy default notice, no date just days to reply and an original application form with no original terms and conditions just a copy of the halifaxs current t & c and no prescribed terms. Did PM PT2537 how to respond but no reply.

 

Unsure how to respond to morgans letter and preprotocol staement from morgans?

 

Merry Christmas to all on CAG

 

Can anyone advise a reply from the Cabot fan club, or anyone.???

 

VOLVO

Edited by volvo
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  • 1 month later...
Seminole

 

Barring the DJ lottery, it should not be enforcable.

 

Alan

 

Something I picked while searching through my case for inspiration is the cancellation box on the application form on this link.

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=15142&d=1261657307

 

 

 

It says that the Cancellation of the "Agreement" is to be offered on a seperate document (it is in fact on T&C's page 10) but there is no link from that app form to the T&C's except where it states :

 

"Important - Your Information

 

"I have read condition 21 of the T&C's............etc

 

And in the main paragraph it tooks about the T&C's and how your information is dealt with in your "Application"

 

The T&C's give most of the prescribed terms that would make this enforceable but is the link STRONG enough to enforce, in my case the DJ in court clearly thought that this was the case.

 

I am now appealing this decision but I am looking for signs that definitelty make this document or combination of the documents unenforcable.

 

Any Thoughts Anyone

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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My wife received a claim from Morgan (representing Cabot) today, via Northampton.

 

PoC states:

 

The Claimant is the Assignee of a Debt(s) from Monument

Credit Card reference xxxxxxx

Notice of Assignment having been given to the Defendant in writing. Despite demand for payment £xxxx.xx remaind due. The Claimant claims £xxxx.xx and interest under s69 County Courts Act 1984 and costs.

 

The demand for payment is nearly 50% more than the NoA states, and there was over £700 of unlawful default charges/interest in that transfer amount as well.

 

As far as I am concerned the prescribed terms must be in the signature document, not in the T&C's. As you say, Beau, they point you to the fact that they will contact the CRA's, but do not refer to the prescribed terms at all.

 

Alan

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It does say the enclosed T&Cs not attached T&Cs I think with the recent Waksman judgement this makes a difference as the PTs need to form part of the agreement even if stapled

 

I expect you remember signing this thinking I cant see any terms maybe they send these to me with the information about cancellation rights!!!

Live Life-Debt Free

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I assume that as they mention the notice of assignment in their PoC, I can request (under 31.14) they show me a copy of the deed of assignment and proof of postage of the NoA, as well as a copy of the agreement.

 

Alan

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  • 2 weeks later...

I have been looking through my Monument file - this thread relates to a claim against my OH - and I have a letter from Monument which states that the reply card that Cabot are relying on is in fact an application card. I know that we all knew that anyway, but it is nice to have it confirmed by the OC.

 

Alan

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  • 4 months later...

Wrote to Morgan outlining the fact that the prescribed terms in the T&C's they supplied were not the same as in my OH's, sending a redacted copy of her first statement to prove it, and offering them the chance to drop the claim.

 

They have replied with the following CPR18 request.

 

Copy of her credit agreement

Copy of T&C's that were relevant to her application

Copies of all Providian CC statements

Copies of all correspondence from Cabot Financial (Europe) Ltd.

 

I thought they were supposed to be in possession of all of those prior to making a claim!!

 

Alan

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Hi Pinky

 

I do not have the originals of anything except for the first few statements. They had already taken my OH to court without anything. By showing them a redacted statement - which has everything blanked out except for the actual amount charged in interest - I am trying to avoid it going any further. All they will get from me is more redacted statements. They sent me redacted documentation when I sent them a CPR18.

 

I have also replied saying that I believe they are on a "fishing" trip, because they do not have the evidence supporting their case.

 

Alan

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  • 6 months later...

Just a quick update on this.

 

Despite my wife having a solid defence against the claim by Cabot, Morgans refused to accept her evidence (interest in prescribed terms wrong), and were determined to continue with the case. As a result, we instructed a firm of solicitors, who convinced Cabot/Morgan of the error of their ways, and today we have heard that they have dropped their claim.

 

I would like to say a massive thank you to Paul (pt2537), for achieving in just a few weeks, what I had been unable to do in more than a year.

 

Can the mods update this to another success against Cabot? Thanks.

 

Alan

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I assume that as they mention the notice of assignment in their PoC, I can request (under 31.14) they show me a copy of the deed of assignment and proof of postage of the NoA, as well as a copy of the agreement.

 

Alan

 

There are a lot of these letters from Morgans flying around at the moment - I've got two. There is a common theme here - nobody ever receives the notice of assignment from Cabot. I don't think they send them, but just knock something up if the debtor has the temerity to complain. Unfortunately, I've read on another thread, that at least one court will accept that on 'the balance of probability' Cabot did send the NoA.

 

There must be a lot of people on here - I'm one of them, who would be willing to sign a witness statement to the effect that this notice was never received. If enough people do this to persuade a court that the balance of probability actually lay in the other direction then this would surely be a blow to Cabot. I'm game - anyone else?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 5 weeks later...

Mmmmm got one of these letters myself today, mine was reference an old peoples bank of conecticut,(who??) held by Citi financial, it goes back to at least 1999 as I have one old statement in my possesion and is the same account number so they cant try telling me it was a new agreemnet I signed

 

I have written back telling them the account was in dispute with Citi, so send it back to them.

I have also wrtten to Citi asking for a copy of the NoA The one I got with Cabot was a cobbled photocopy with a date different than the date on the letter they sent to me

Lets wait and see

I am back up for the fight again

onlyme

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